What Should I Buy health insurance or a "Health Plan" ...?

What Should I Buy health insurance or a "Health Plan" ...?

There is much confusion in the "popular parlance" on how to call the Health options that are in the market: "That if Health Coverage," "Health Plan HMO, PPO, PHC, Medical Discount, discount cards etc. . Unfortunately, some colleagues have contributed to this, and also some companies when advertising to the benefits they possess, which carry client-patient confused and not to possess an absolute truth about what they will buy or at who is interested or offer.

It follows that for many "classified" as a health discount plan is called a "bad" and instead say: HMO, PPO or Health Insurance is identified as "good", and this is not as well. It has gray stitching. The thing can not see white or black, go much further.legales.Por concepts course what I believe is based on my personal experience as a Certified Health Insurance Agent and have developed over years of direct sales with customers and do not constitute any legal or personal recommendation. It's just my point of view to try to clarify the terminology and concepts.

What they offer different "Health Plans"

First of all the companies that provide some kind of health plans must be licensed by the State Government to exercise. I think the stage of the "crazy" to do something like this illegal, has been left behind. About the same "risk" were those who gave bad opinion, in part, to the industry and have resulted in those classifications that everything is a discount plan is "bad" or not sirve.Entonces not think it is extremely serious that is considered scammed by a company. Because the state each day that passes has more control over these activities. At least in private Health Insurance because we are not talking about the State and Federal suffering from these controls or at least "sounds" more in their theft and fraud: Medicaid, Medicare.

Therefore you should feel calmer because they almost always at 99% of patients who visit or who sell a "Health Plan" is legal and authorized by the highest. Clear what UD is able to investigate and ask is your problem, remember that YOU always cheat .. cheating is left are two things diferentes.En Secondly there is something called: Prepaid Health Clinic (PHC) to provide plans highly acceptable health and have no health insurance category, and are not HMOs or PPOs, although the same as explained above these PHCs are strictly regulated by the state and are governed by the same laws of HMOs. In fact the State itself in the current legislation recognizes the similarity of both HMO and PHC.

Secondly, there is something called: Prepaid Health Clinic (PHC) Health Plans that provide highly acceptable and have no health insurance category, and are not HMOs or PPOs, although the same as explained above these PHCs are strictly regulated by the State and are governed by the same laws of HMOs. In fact the State itself in the current legislation recognizes the similarity of both HMO and PHC PHC.Los (something like Pre-Paid Clinic) have made a difference across the nation and have become an option for people, at least what most know it is the South Florida. In fact the big HMO, PPO and health insurance have had no choice but to reconsider their marketing strategies and make plans at prices like these PHC.

Why?

For one simple reason ..

The PHC workers have caused them serious "problems" remains "customers" The PHC are much cheaper than an HMO or traditional PPO and accept pre-existing health conditions, among others beneficios.No do I mean to be the best option. It depends up to where you want to spend or to where your pocket allows, because the PHC have made a difference but lack benefits the HMO and PPO have for example Hospitalization and Emergency Médicas.Establezco these comparisons, relatively speaking, because unfortunately many people refer to Prepaid Health Plans Clinic and Medical Discount Plans or discount card and is not so: "Give to Caesar what is Caesar's" Discount Plans (DPMO) as its name implies, are purely that: Discounts of value we charge you in the services in the regular market.

The DPMO by law can not make payments to providers (doctors, diagnostic centers, urgent care centers etc) However, the PHC if they are authorized to make payments to suppliers that you visit, like the HMO. Therefore the difference between them (DMPO, PHC) is logical to us. Not to be confused although some work PHC activities such as discounts, most of the benefits function as Prepaid (Prepaid) (PHC) by having to make these payments to physicians.

Conclusions

There is a reality. We all know the health costs in the U.S., it is no secret how much you can charge in a hospital or in a query without health insurance or nothing to protect you, whatever it is called. What it is illogical to think you for the price of a car of 1998 will get the benefits of a 2010, for example. So be aware of what you have and compare their benefits subject to what might acquire. There is no option that many people who visit say, "Sure I want a 100% cover." That there is not. In all have co-payments and deductibles. The higher the monthly fee, usually, less deductibles or copayments, and vice versa.

But prices are also governed by your age and health conditions. Not the same risk for a person 20 years of age of 60, to give just one result ejemplo.Por If the economy gives you to pay an HMO, PPO or insurance in general and want coverage, including hospitalization and emergencies, we recommend that you do. The prices are not exorbitant as you think. These companies have taken better plans. It is the most complete possible and have plenty of suppliers depending on the counties or states where cover.

If your budget is not given to an individual or family policy with them, then do not be afraid to PHC are not discount cards or plans will regulate preventive descuentos.Estos Your Health at the lowest monthly price, as well as offering Medical insurance, preventive care examinations, tests or test. Although remember its limitations in some benefits. And finally if you still can not afford a PHC or Prepaid, even buy a Discount Plan (DMPO) Discount Plan. Your health can not wait. Unfortunately there are people who are still waiting for the government and health reform. There may come no doubt, but it will not meet the expectations that people expect.